Checklist for buying a house

Download our simple checklist and make sure you don't miss a key detail when inspecting and buying a house.

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When buying a house, you'll look at a variety of different homes, and it can be tough to keep straight in your head which properties made what impression. That's why we've created a home buying checklist.

You can print copies of the checklist from the link below, and take it with you to inspections.

Download our home buying checklist

1. Preparation

2. Location

  • Is it close to infrastructure such as train stations or bus stops?
  • Is it close to hospitals and schools?
  • Is the neighbourhood safe?
  • Is it reasonably quiet?
  • Is it flood or bushfire prone?
  • What are the local council regulations around renovations or extensions?

3. Exterior

  • Is the exterior of the house in good condition, free from cracks or defects?
  • Is the roof in good condition?
  • Are the windows and doors in good condition?
  • Are the gutters and downpipes in good condition?
  • Is the property connected to electricity and sewer?
  • Does the land provide sufficient space for additions?
  • Is the property fenced, and is the fencing in good condition?

4. Interior

  • Are the walls in good condition, free from holes or cracks?
  • Is there any sign of mould or damp?
  • Are the floors level and undamaged?
  • Are there sufficient power points?
  • Is all plumbing in good working order?
  • What appliances and furnishings are included in the contract, and are they in working order?
  • Are there telephone, cable and/or Internet connections?

5. Contract and title

Compare mortgages for first home buyers

$
years
Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

UBank UHomeLoan Fixed P&IHome 1Y Fixed≥ 20% Deposit

UBank UHomeLoan Fixed
1.79%
2.18%
  • App: $0
  • Ongoing: $0 p.a.
$540
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.

HSBC Fixed Rate Home Loan Package P&IHome 2Y Fixed≥ 20% Deposit

HSBC Fixed Rate Home Loan Package
1.88%
2.65%
  • App: $0
  • Ongoing: $390 p.a.
$547
$3,288 refinance cashback offer
Lock in a low fixed rate for 2 years and buy your home with a 20% deposit.Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.

loans.com.au Smart Booster Discount Variable Home Loan P&IHome≥ 20% Deposit

loans.com.au Smart Booster Discount Variable Home Loan
1.85%
2.21%
  • App: $0
  • Ongoing: $0 p.a.
$545
Get a low discounted variable rate loan. Requires a 20% deposit. Get your loan processed fast and settle within 30 days.

HSBC Home Value Loan P&IHome≥ 30% Deposit

HSBC Home Value Loan
1.97%
1.98%
  • App: $0
  • Ongoing: $0 p.a.
$554
$3,288 refinance cashback offer
This competitive variable rate loan is available for borrowers with 30% deposits. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.

homeloans.com.au Low Rate Home Loan with Offset P&IHome≥ 40% Deposit

homeloans.com.au Low Rate Home Loan with Offset
1.89%
1.89%
  • App: $0
  • Ongoing: $0 p.a.
$548
A competitive rate with no application or ongoing fees. This loan is not available for construction.

Nano Variable Home Loans P&IHome≥ 25% Deposit Refi Only

Nano Variable Home Loans
1.99%
1.99%
  • App: $0
  • Ongoing: $0 p.a.
$555
Switch to this competitive variable rate with zero fees. Requires a 25% deposit.

Suncorp Back to Basics Home Loan P&IHome≥ 30% Deposit

Suncorp Back to Basics Home Loan
1.99%
2%
  • App: $0
  • Ongoing: $0 p.a.
$555
A competitive variable interest rate loan with low fees. The establishment fee is waived if you borrow $150,000 or more.

IMB Fixed Rate Home Loan P&IHome 2Y Fixed≥ 20% Deposit

IMB Fixed Rate Home Loan
2.07%
2.90%
  • App: $449
  • Ongoing: $6 per month
$561
A 2 years fixed with the competitive features.

Well Home Loans Equity Plus P&IHome≥ 40% Deposit

Well Home Loans Equity Plus
1.82%
1.85%
  • App: $250
  • Ongoing: $0 p.a.
$543
Borrowers with 40% deposits or equity can get this low variable rate loan. 100% offset account included.

Bluestone Prime Home Loan P&IHome≥ 30% Deposit

Bluestone Prime Home Loan
2.23%
2.25%
  • App: $0
  • Ongoing: $0 p.a.
$573
Bluestone's Prime is a competitive variable rate home loan for borrowers with 30% deposits.

Athena Variable Home Loan P&IHome≥ 40% Deposit

Athena Variable Home  Loan
1.99%
1.99%
  • App: $0
  • Ongoing: $0 p.a.
$555
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees.

OneTwo Finance Rate Reducing Variable P&IHome≥ 20% Deposit Refi Only

OneTwo Finance Rate Reducing Variable
1.99%
1.89%
  • App: $0
  • Ongoing: $0 per month
$555
A low variable rate loan for owner-occupier refinancers living in metro NSW/VIC. Get rate discounts as you repay the loan.

G&C Mutual Bank Momentum Home Loan P&IHome≥ 40% Deposit

G&C Mutual Bank Momentum Home Loan
1.99%
2.01%
  • App: $0
  • Ongoing: $0 p.a.
$555
A variable rate loan for owner-occupiers looking to refinance. This loan has low fees and a 100% offset account.

Macquarie Bank Basic Home Loan P&IHome≥ 40% Deposit

Macquarie Bank Basic Home Loan
2.14%
2.14%
  • App: $0
  • Ongoing: $0 p.a.
$567
Apply for the Macquarie Bank Basic Home Loan - LVR ≤ 60% (Owner Occupier, P&I) and get a low variable interest rate, plus no application and ongoing fees. Requires a 40% deposit.

Beyond Bank Total Home Loan Package P&IHome 2Y Fixed≥ 40% Deposit

Beyond Bank Total Home Loan Package
1.79%
3.73%
  • App: $0
  • Ongoing: $395 p.a.
$540
Lock in a very low rate for two years and get package benefits. Requires a 40% deposit.

Well Home Loans Balanced Fixed Home Loan P&IHome 1Y Fixed≥ 10% Deposit

Well Home Loans Balanced Fixed Home Loan
1.87%
1.89%
  • App: $250
  • Ongoing: $0 p.a.
$546
Owner occupiers can get a sharp fixed rate for the first year, plus an offset account. Available with a 10% deposit.

Virgin Money Reward Me Fixed Rate Home Loan P&IHome 2Y Fixed≥ 20% Deposit Min. $300k

Virgin Money Reward Me Fixed Rate Home Loan
1.98%
2.66%
  • App: $300
  • Ongoing: $10 per month
$555
$3,000 refinance cashback.
Buy your home and lock in a low rate for the first two years. Get a $3,000 cashback when you switch to Virgin Money with a loan amount of $300,000 or more with an LVR up to 80%. You must apply by 31 January 2022 and settle by 29 April 2022.

Suncorp Back to Basics Home Loan P&IInvestment≥ 30% Deposit

Suncorp Back to Basics Home Loan
2.29%
2.30%
  • App: $0
  • Ongoing: $0 p.a.
$578
A competitive variable rate investor loan. You will need a 30% deposit to get this loan.

IMB Budget Home Loan P&IHome≥ 20% Deposit

IMB Budget Home Loan
2.19%
2.25%
  • App: $449
  • Ongoing: $0 p.a.
$570
A low-rate, no-frills home loan for borrowers with a good deposit and unrestricted repayments.

Great Southern Bank Fixed Rate Home Loan P&IHome 2Y Fixed≥ 5% Deposit

Great Southern Bank Fixed Rate Home Loan
2.34%
3.55%
  • App: $600
  • Ongoing: $0 p.a.
$582
Pay no ongoing fees on a fixed rate home loan with flexible repayment options. $3,000 cashback for refinancers and $2,000 cash deposit for first home buyers. Other terms and conditions apply.
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